We’ve received word of an uptick in scam attempts here in the Northland. Recently, scammers have targeted older adults in Northern Minnesota with the Grandparent Scam, a scheme designed to exploit family and trust. These criminals pretend to be a distressed grandchild and urgently ask for money. Here’s what you need to know to stay safe.

How the Scam Works

• You receive a phone call, email, or text from someone claiming to be your grandchild.
• They say they’re in trouble—arrested, in an accident, or stranded in another country.
• They beg for immediate financial help and may ask for a wire transfer, gift cards, or cash.
• The scammer often warns you not to tell anyone, claiming the grandchild could be in danger if you do.

Red Flags to Watch For

• The caller demands secrecy and urges you not to confirm the story with other family members.
• They pressure you to act immediately, often creating a sense of urgency.
• Payment is requested through unusual methods (gift cards, wire transfers, or mailing cash).
• The caller won’t provide details or gets defensive if you ask personal questions.

How to Protect Yourself

• Pause & Verify – Hang up and call your grandchild or another trusted family member directly.
• Ask Questions – A scammer may struggle to answer specific family-related questions.
• Be Skeptical – Scammers can spoof phone numbers to make it look like the call is coming from someone you know.
• Never Send Money – Once funds are transferred, they are nearly impossible to recover.
• Report Suspicious Activity – If you receive a call like this, contact your local police department immediately.

Our Commitment to Protecting You

At Northwoods Credit Union, we’re dedicated to safeguarding our members and communities from fraud. If you suspect a scam, our team is here to help. If you notice unusual account activity or need guidance, contact us immediately. You can also visit one of our branchesin Cloquet, Moose Lake, or Floodwood for in-person help.

Stay informed. Stay cautious. Stay safe.